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Get Your Business Funded: Creative Methods for Getting the Money You Need

Get Your Business Funded: Creative Methods for Getting the Money You Need

Get Your Business Funded: Creative Methods for Getting the Money You Need

Explore the many options available to get the money you need for your business Whether your business is a new start-up, an established company attempting to grow, or somewhere in between, Get Your Business Funded gives you the full range of options for raising capital in today’s challenging economy. Covering everything from bank loans to angel investors to equity financing to more unorthodox methods, this complete guide uses clear, easy-to-understand language to explain each approach. Divided

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Index Annuity Crediting Methods

An index annuity earns interested based on an external financial index, such as the S&P 500. Interest that is credited to the annuity is based on a formula that is linked to the underlying index. An index annuity also is usually guaranteed to pay a minimum interest rate so that investors do not lose their initial investment premiums.

One of the most important features in determining the actual interest received on a contract is the crediting method used to measure the amount of change in the underlying index. The three most common methods are annual reset (ratcheting), high-water mark, and point-to-point:

Annual Reset
• Interest is determined by comparing the index value at the end of the contract year with the index value at the beginning of the contract year. Interest is added each year for the term of the contract.

High-Water Mark
• With this method, the index value is recorded at various points in time during the term of the contract. Typically, the annual anniversary is used as the reference points. Interest is added at the end of the contract and is based on the difference between the highest index value and the beginning index value.

Point-to-Point
• The final method pays interest at the end of the contract, similar to the high-water mark method. However, the amount is based on the difference between the index value at the end of the term and the index value at the beginning of the contract.

These three methods may yield similar results over one time span or drastically different results during another. It is important that investors research the options that are available on the annuity index annuity policy they are interested in because there are unique advantages and disadvantages for each method.

The annual reset method has the advantage that the interest is reevaluated each year and that future decreases in the index cannot affect the interest that was earned in previous years. The disadvantage for annual reset is that the participation rate may change each year. In general, its level will be lower than other indexing methods. Sometimes this method is also combined with a cap on the amount of interest that can be earned in a given contract year.

The advantage of the high-water mark method is that a customer may receive a higher amount of interest than other methods if the index reaches a high point towards the beginning or middle of the contract, then falls at the end of the contract term. However, the disadvantages are that this method sometimes comes with a cap and a lower participation rate than other methods. In addition, some contracts state that if the annuitant surrenders the contract before the end of the term, then the interest is forfeited.

The final method, point-to-point, has the advantage that many of the contracts have a higher participation rate than other index annuity methods since interest cannot be calculated before the end of the policy. However, like with the high-water mark method, some contracts will not pay interest if the annuity is surrenders before the term has ended.

The three index annuity crediting methods discussed above seem similar, however, the index-linked interest that is paid on an annuity will heavily depend on which method is used for the particular policy. Therefore, it is important that investors weigh the pros and cons of each method and choose the one best suited to current market trends.

For more information from Steven on how to invest in annuities and common investment mistakes, visit his Fixed Annuities Guide. To learn more about securing your retirement via index annuities, visit the Index Annuity Guide.

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Get Your Business Funded: Creative Methods for Getting the Money You Need

Get Your Business Funded: Creative Methods for Getting the Money You Need

Get Your Business Funded: Creative Methods for Getting the Money You Need

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Explore the many options available to get the money you need for your business Whether your business is a new start-up, an established company attempting to grow, or somewhere in between, Get Your Business Funded gives you the full range of options for raising capital in today’s challenging economy. Covering everything from bank loans to angel investors to equity financing to more unorthodox methods, this complete guide uses clear, easy-to-understand language to explain each approach. Divided

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The Ebay Affiliate Network Title Composing Methods.

Trying to be help your buyers locate your auctions can be a genuinely daunting task. Most individuals only search eBay by title, not by description, and that means that you simply only have those 55 characters of the title to cover all the feasible search terms. That’s not easy. Within this email, I’ll provide you with a couple of pointers.

Don’t bother with eBay clich?s: You’ll find plenty of eBay auction titles that say issues like “Super uncommon digital camera wow look minimal price”. These are stupid things to put inside your title, as no-one is going to look for them.

Feel like a purchaser: When you were searching for your merchandise, then what precisely would you sort into that box? If you think it’d aid, attempt searching your self to find a person else promoting your item. What were the 1st things you believed of typing?

Think like other sellers: Keep an eye on which sellers are doing most effective with items like yours, and try to copy their title styles – if it functions for them, it could get the job done for you.

Be specific: You must be certain to put in writing the item’s model and specific model number inside the title, as persons will frequently search just for this info. Make sure which you also say exactly what the merchandise is.

A couple of Examples.

Here are a couple of examples of good titles. They’re genuine, and they’re on eBay proper now, generating their sellers dollars. So what tends to make them good?

“Dell Latitude Laptop computer P3 500mhz Notebook Pc Computer”

When you find out about computers, you’ll know immediately what this auction is selling. It has producer (Dell) and product line (Latitude), followed by a few technical specs (P3 500mhz will be the processor pace). Recognize also that the title includes the four phrases ‘laptop’, ‘notebook’, ‘PC’ and ‘computer’, because the seller desires people today in search of any of those words to find out his auction.

“OASIS Don’t Believe the Reality CD Album (New)”

This auction for any CD is properly formatted: it offers the artist identify in capital letters, followed by the album name. It then manages to contain the two important words ‘CD’ and ‘album’, also because the word ‘new’ – that suggests that anybody looking for ‘new oasis cd’, ‘oasis new album’ and so on will discover this auction.

“1840 Penny Black stamp, certificate, 4 margins”

Here’s a slightly much more obscure 1, from the thrilling world of stamp amassing. A penny black is one in the oldest and most well-known stamps. It makes use of a few important words that collectors will take into consideration important: ‘four margins’ indicates that the stamp continues to be minimize out with some margins about it and so isn’t damaged, and ‘certificate’ tells you that the merchandise features a certificate of authenticity – it’s a real penny black. Bear in mind to use each little bit of area to squeeze in as significantly necessary information and facts as you may inside the title.

So now that you have published a profitable title, you need to begin on the great description. The subsequent e mail will present you how.

If you would like additional knowledge concerning Penny Auction pay a visit to Larry Tannermanson’s web page immediately!

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Appropriate Methods Of Small Business Financing

Establishing and sustaining a business is a venture that many people find being hard and very demanding. Small business financing can be obtained from many financial institutions that have packages that are tailor made to suit this scale of enterprises.

Obtaining finances for setting up and improving an existing venture can take different approaches. The most common and effective method is the use of personal savings. Individuals can save their earnings from wages and salaries for the purpose of establishing an enterprise. Personal savings are very safe and convenient for they avoid unnecessary debts incurred by getting loans. One can save small amounts of money for a long period and it will eventually accumulate to the required sums able to establish an investment.

Bank loans are among the most popular avenues that are used nowadays for getting capital to establish or develop a venture. Loans are obtained from financial institutions and non financial organizations. Most financial organizations have tailor made loans with different packages of which an interested buyer can choose from. Loans intended for small scale enterprises have small interest rates with the aim of encouraging people to invest. Other loans are of negotiable status where the bank and the client can discus and agree on the modalities of repayment.

Non financial organizations like government corporations also offer loans to people interested in establishing firms of this status. These organizations do have attractive packages which are mainly aimed at boosting the level of investment of the citizens. Most of these organizations are government corporations that major in specific fields. Agriculture corporations give loans to ventures that are aligned in this field. The repayment rates are much lower compared to the interest levied by commercial banks.

Acquiring assets on credit is also another method of financing an investment. The assets can include operating stock, where by when the products are sold; the creditors can be paid back their due amounts. Fixed assets like office furniture or other necessary equipments can be paid for either by installments or after an agreed period. This method is effective for it enables the venture to start being operational while it slowly acquires its own assets.

Injecting profit earned from the firm back into the venture is very effective of growing the venture. The profit after meeting the salaries of the employees, the remainder can effectively be used in either acquiring assets or paying the loan that the firm owes creditors. Pumping the profits back strengthens the status of the investment and makes it able to stand on its own feet.

While buying loans, care should be taken to evaluate all the terms and conditions stipulated. Loans might have hidden charges and harsh repercussions in case of defaulting or delays in repayment. It is hence necessary to repay loans on time to avoid legal tussles.

Looking for ways of small business financing is a bold step towards the creation or flourishing an existing investment. All the avenues have their own impacts and only the most suitable avenue for the specific caliber of venture should be used. Proper use of the finances employed can reap better yield for the firm.

Grow your small business start up with the aid of advice, business tools, and resources. Read a business blog that can help you prepare for challenges facing your business such as small business templates.